IB
SBA 7(a) franchise lending portfolio
Isabella Bank
AVERAGE risk
- Total loans
- 14
- Loan volume
- $4.5M
- Avg loan size
- $319K
- Charge-off rate
- 12.5%
- vs 15.4% national avg
Defaults
1
Avg interest
6.05%
Franchises funded
10
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Tim Hortons | 3 | $991K | 0.0% (low risk) |
| Snap Fitness | 2 | $180K | 0.0% (low risk) |
| Everline Coatings and Services | 2 | $320K | N/A |
| Sears Catalog Store | 1 | $105K | 100.0% (very high risk) |
| NAPA Auto Parts | 1 | $820K | 0.0% (low risk) |
| Batteries Plus | 1 | $312K | 0.0% (low risk) |
| Blarney Castle Oil Co. (Marath | 1 | $517K | N/A |
| Jersey Mike's | 1 | $300K | N/A |
| Jet's Pizza | 1 | $727K | 0.0% (low risk) |
| Biggby Coffee | 1 | $200K | 0.0% (low risk) |
Lending volume by year
1'03
1'05
1'07
1'08
4'20
2'21
1'22
1'24
2'25
Geographic exposure
1412.5% (elevated risk)
Portfolio summary
Total funded$4.5M
Defaults1 of 14
Risk tierAVERAGE
Avg rate6.05%
Source: SBA 7(a) FOIA loan-level data, aggregated by FranchiseVerdict
Charge-off rate = charge-offs / (charge-offs + paid-in-full). Active, exempt, and cancelled loans are excluded. Risk ratings: Excellent (<5%), Good (5-10%), Average (10-15%), Elevated (15-20%), High Risk (>20%).
Frequently asked questions
- How many SBA 7(a) franchise loans has Isabella Bank originated?
- 14 loans totaling $4.5M. The portfolio carries a 12.5% charge-off rate, earning a “AVERAGE” risk rating.
- What is the charge-off rate and why does it matter?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). For SBA 7(a) franchise lending, the national average runs 5–8%. Portfolios materially above that signal either riskier franchise selection or weaker underwriting.
- Where does this lending data come from?
- SBA 7(a) loan records released under the Freedom of Information Act. Each record carries approval date, amount, lender, business type, NAICS code, location, and outcome. See methodology.
- Which franchise brands does Isabella Bank fund the most?
- The “Top franchise exposures” table above lists the brands Isabella Bank has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.